Last Updated: [14/09/2022]

  1. Instapay Fees and Charges

    1. Instapay E-Wallet
    2. Instapay Prepaid Mastercard

      Type of Fee Fees and Charges
      Joining fee RM18.00
      Annual fee /maintenance Fee RM9.00 (the fee will only be imposed if there is no transaction in the account)
      Reload Wallet Fee

      1) Financial Processing Exchange (FPX) – RM1.00 per reload (FREE from 14th September 2022)

      2) Authorised Agent-RM2.00 per reload

      3) Instapay Initiated Salary Credit- NIL

      ATM Withdrawal Fee (Participating Banks in Malaysia)

      -for withdrawal from Instapay E-Wallet through Instapay Mastercard

      International ATM Withdrawal Fee RM10.00 per transaction or 2% of withdrawal amount, whichever is higher.

      Card Replacement Fee

      (Only applicable to Instapay Mastercard)


      (Only applicable for card replacement request made by customer, not due to defect of chip/card)

      Overseas transaction fee

      1% of the transaction amount on all oversease transactions (including online foreign currency transaction with a foregn based company)

      Sales Draft Retrieval Fee RM15.00

  2. Instapay services provided free.

    1. Instapay E-Wallet

      Transfer from Wallet to Wallet
      Transfer out to bank
      Balance enquiry
      Closing of E-Wallet Account
      Statement request (only electronic statements available)
      PIN change and PIN regeneration

    2. Instapay Prepaid Mastercard

      Starter pack
      Payment fees for purchases online and in retail outlets
      Card cancellation